Video & Transcript Research : 'false information'
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TX
Transcript Highlights:
- This bill has a bipartisan step toward promoting informed use and improving patient safety.
Keywords:
dentistry, botulinum toxin, aesthetic treatments, dental regulation, training, medical staff privileges, hospital administration, healthcare regulation, Texas Health and Safety Code, consistency in privileges, SB 672, Texas hospital emergency operations plan, hospital diversion, emergency department, cyberattack, cyber security, power outage, electrical outage, patient diversion, hospital preparedness
TX
Transcript Highlights:
- found that the most effective means to help individuals experiencing homelessness... is a trauma-informed
- Every adult in Texas has the right to informed consent, and that includes the right to say no.
- in managing that system, the... the expertise of an LMHA representative on the advisory board will inform
Keywords:
dentistry, botulinum toxin, aesthetic treatments, dental regulation, training, medical staff privileges, hospital administration, healthcare regulation, Texas Health and Safety Code, consistency in privileges, SB 672, Texas hospital emergency operations plan, hospital diversion, emergency department, cyberattack, cyber security, power outage, electrical outage, patient diversion, hospital preparedness
TX
Transcript Highlights:
- There's a lot of information; there's a lot of overlap.
- Or should we limit who can submit an information request for something like this?
- We're not trying to amend the Information Act; we're just trying to clarify that this type of information
- is not confidential information. ...so that it can just be released without any redaction.
- information of who happened to be at a certain place at a certain time.
Keywords:
Texas Constitution, Declaration of Independence, victory or death letter, display, historic preservation, HB 1893, Texas public information law, Public Information Act, Government Code 552.130, Transportation Code Chapter 730, license plate number, vehicle registration, law enforcement video, police body camera, dashcam, redaction, public records request, open records, government transparency, privacy
TX
Transcript Highlights:
- The speaker agrees that the issue is false advertising and says the bill targets that conduct.
- More specifically, what currently happens is that we can get confidential and public information that
- from executive agencies concerning information that we need for our legislative purposes.
- These individuals would have the option to make certain information confidential, like preventing the
- There is so much, as Chair King mentioned, There are so many other ways to get that information.
Bills:
HB12, HB149, SB229, SB1361, SB1749, SB1897, SB2113, SB2566, SB2677, SB1652, SB2327, SB2344, SB2696
Keywords:
artificial intelligence, regulation, biometric data, ethical AI, consumer protection, AI governance, automobile sales, finance, retail seller, motor vehicle purchase, motor vehicle sales, pricing restrictions, third-party financing, education, funding, student assessment, accountability, standards, motor vehicle, financing
Summary:
The Senate Committee on Business and Commerce heard testimony on HB 149, the Artificial Intelligence Governance Act. Senator Schwertner described the bill as an outcomes-based AI framework that would require disclosure when people interact with AI, prohibit manipulative or social-scoring systems, address biometric capture, discrimination, and deepfake child exploitation, and give the Attorney General enforcement authority. It would also create an AI Sandbox and AI Council. Witnesses from the Texas Public Policy Foundation, a Houston attorney, TechNet, and the Texas Association of Business strongly supported the bill, praising its stakeholder process and pro-innovation approach, while Texas Appleseed suggested regulators should have more examination authority over sandbox participants. The bill was left pending.
The committee then heard SB 229, which would prohibit motor vehicle dealers from conditioning a sale on dealer-offered financing or charging more because a buyer uses outside financing or cash. Senator West said the bill is meant to stop forced financing and bait-and-switch pricing, and he noted the bill passed the committee and Senate in the prior session. The Texas Automobile Dealers Association opposed the bill, arguing it would force dealers to accept any third-party lender or cash transaction on terms they cannot control. The Texas Credit Union Association supported the bill, saying consumers should be able to choose outside financing without hidden fees or pressure. After questions about cash purchases and dealer practices, the bill was left pending.
The committee also took up SB 2566, which would clarify legislators’ access to information from executive agencies, including confidential information, by setting response deadlines, limiting confidentiality agreements to statutory terms, requiring a standard AG form, and creating a complaint and penalty process for noncompliance. No witnesses testified, and the bill was left pending. Finally, SB 1749, as substituted, would let certain court-related employees and judicial conduct commission personnel keep personal information such as home addresses and phone numbers confidential, with work addresses used in place of home addresses for certain purposes. District clerk and judicial conduct commission witnesses described threats and harassment as the reason for the bill, and a court administration witness answered questions about how the address protections would work with voter registration and precinct records. That bill was also left pending, and the committee recessed without further business.
TX
Transcript Highlights:
- SB1598 relates to the release of a motor vehicle collision report information to law enforcement to help
- In that regard, I'd like to introduce SB1598 to clarify and promote the use of crash report information
- Secondly, it allows report information to be released to a person acting on behalf of the law enforcement
- SB1598 clarifies that non-confidential VIN information may be released by an agency to records management
- Second, it provides for a person, in lieu of an agent, to have authorized access to this information
Keywords:
SB 1493, Texas Transportation Code, motor vehicle lighting, vehicle lighting standards, high-mounted stoplamp, center high mount stop lamp, CHMSL, brake light, stop lamp, federal motor vehicle safety standards, 49 C.F.R. 571.108, FMVSS 108, vehicle inspection, automotive compliance, Transportation Committee, Texas vehicle equipment, motor vehicle collision report, crash report, accident report, traffic accident
Summary:
The committee meeting focused on two primary bills, SB1598 and SB1493. SB1598, introduced by Senator Hagen Booth, addresses the clarity of collision report information access for law enforcement, aiming to enhance the tools available to police agencies across Texas for solving crimes. The meeting featured strong support from police representatives, including Sheriff Brian Hawthorne of Chambers County, who emphasized the significance of the CARFAX program for police in facilitating access to vital vehicle information, free of charge. Public testimony reflected a consensus on the necessity of the bill for improved investigatory processes.
TX
Transcript Highlights:
- Members, SB 1598 relates to the release of motor vehicle collision report information to law enforcement
- in that regard, I would like to introduce SB 1598 to clarify and promote the use of crash report information
- Two, it clarifies that collision report information can be released to a person acting on behalf of the
- And three, it clarifies that non-confidential VIN information may be released by an agency to records
- offering clarity to how local law enforcement agencies may permissibly use their own collision information
Keywords:
SB 1493, Texas Transportation Code, motor vehicle lighting, vehicle lighting standards, high-mounted stoplamp, center high mount stop lamp, CHMSL, brake light, stop lamp, federal motor vehicle safety standards, 49 C.F.R. 571.108, FMVSS 108, vehicle inspection, automotive compliance, Transportation Committee, Texas vehicle equipment, motor vehicle collision report, crash report, accident report, traffic accident
Summary:
The Senate Transportation Committee heard and advanced a wide range of transportation-related bills. Early in the meeting, SB 1598 by Senator Hagenbuch was heard on allowing collision report information to be used and shared more clearly for law enforcement investigations, including through records-management partners and nonconfidential VIN data; the bill drew support from the Sheriff’s Association and Carfax for Police and was left pending before later being reported favorably. SB 1493 by Senator Parker, which would codify DPS’s position on flashing/pulsing stop lamps as compliant with federal standards, also received supportive testimony and was reported favorably. SB 1895 by Senator Perry would designate Loop 88 in Lubbock as a First Responders Memorial Loop and was reported favorably, and SB 1919 and SB 2243 by Senator West, dealing with TxDOT liability claim settlements and TxDMV authority to require VIN inspections for certain trailers, were likewise heard without opposition and later reported favorably. SB 2039, concerning right-of-way and traffic rules for sidewalk users such as bicycles, e-bikes, skateboards, and scooters, was heard and left pending before being reported favorably later in the meeting. SB 2226 by Senator Nichols, reducing the local match requirement for aviation grants in economically disadvantaged counties from 10% to 5%, was discussed with TxDOT testimony explaining how federal and state airport funding interact; it was reported favorably. SB 2499 by Senator Flores, involving memorial markers and an account for donations, and SB 1394 by Senator Hall, concerning concrete truck axle rules, were also reported favorably. The committee recessed after handling the pending items and leaving some additional matters for a later hearing.
A major portion of the meeting focused on SB 2425 by Senator Nichols, a comprehensive bill on commercial autonomous vehicles. The author said the bill was developed through extensive stakeholder meetings with industry, agencies, insurers, and lawyers, and it would require AV companies to provide information to TxDMV, submit first-responder interaction plans to DPS, and allow DPS and DMV to suspend or revoke operations in certain circumstances. The committee substitute also updated definitions, addressed Level 3 systems, clarified commercial use and fleet penalties, and created an expedited process for reinstating operating authority after disputes. Supporters included the Texas Public Policy Foundation, Tesla, GM Cruise, Bot Auto, and the Autonomous Vehicle Industry Association, who said the bill balances innovation and safety and helps Texas remain a leader in AV deployment. One witness opposed the bill, arguing that it would improperly shield manufacturers from liability, but committee members and the industry witnesses said liability would continue to be governed by state law and that the bill was intended to clarify, not eliminate, responsibility. After debate, the committee adopted the substitute and reported SB 2425 favorably on a 6-0 vote.
Throughout the hearing, members asked questions about practical effects and funding. On SB 2226, TxDOT’s aviation director explained that some airports already receive federal and state support and that the bill would mainly help state-only airports in disadvantaged counties that struggle to meet local match requirements. On SB 2425, members asked about reliability metrics, commercialization, and liability; industry witnesses said the technology is still being refined but that Texas’s framework has attracted investment and could improve road safety over time. Several bills were recommended to the local and uncontested calendar after favorable votes, and the committee also agreed to keep motions in writing open briefly for members who were absent, so long as doing so would not change any bill outcomes.
HI
Hawaii 2026 Regular Session
Senate Special Committee on COVID-19 April 13, 2020
Hawaii Senate Floor Meeting
Keywords:
HI Senate YouTube, https://www.youtube.com/watch?v=-tKnr5jEGCc, 2026-07-02T01:22:43+00:00, 2.2.24, Data collected via generic collector engine, Meeting of the Special Committee
Senate State of Hawaii COVID-19
Monday, April 13, 2020
You can view department plans, documents, committee reports, meeting agendas, links, resources, and agendas here at https://www.capitol.hawaii.gov/specialcommittee.aspx?comm=scovid&year=2020
Agenda
The special committee will convene to assess and advise the Senate regarding the State of
Hawaii's COVID-19 plans and procedures to include, but not limited to:
1) Confirm the development of the state departmental plans and procedures;
2) Review and assess current state departmental plans and procedures;
3) Review and assess whether state departmental plans and procedures are properly and
timely implemented to safeguard public health and safety; and
4) To communicate and disseminate information obtained therefrom.
The special committee will be meeting with the following:
11:30 a.m. Office of the Governor
Ms. Linda Chu Takayama, Chief of Staff
12:00 p.m. Office of Enterprise Technology
Mr. Douglas Murdock, Chief Information Officer
12:45 p.m. Department of Taxation
Ms. Rona Suzuki, Director
1:30 p.m. Department of Human Resources Development
Mr. Ryker Wada, Director
Please note that there may be committee members or invited speakers participating remotely
via video or teleconference.
The meeting will be available for live viewing on Olelo Channel 53 on Oahu and will go out
live for pick up by neighbor island public access channels.
No public testimony will be accepted.
Meeting of the Special Committee
Senate State of Hawaii COVID-19
Monday, April 13, 2020
If you require special assistance, please call 586-6800 or email your request to
waysandmeans@capitol.hawaii.gov.
-End of Agenda-, 912, senate, all, 2.2.42, 2.1.47
TX
Transcript Highlights:
- President I am directed by the House to inform the Senate that the House has taken the following action
- Hancock relating to required reporting of information on the ownership and control of certain health
- By Hagenby relating the release of motor vehicle collision report information to transportation, Senate
Bills:
SJR60, SJR62, SJR65, SJR66, SJR67, SJR68, SCR27, SCR28, SCR29, SB1576, SB1577, SB1578, SB1579, SB1580, SB1581, SB1582, SB1583, SB1584, SB1585, SB1586, SB1587, SB1588, SB1589, SB1590, SB1591, SB1592, SB1593, SB1594, SB1595, SB1596, SB1597, SB1598, SB1599, SB1600, SB1601, SB1602, SB1603, SB1604, SB1605, SB1606, SB1607, SB1608, SB1609, SB1610, SB1611, SB1612, SB1613, SB1614, SB1615, SB1616, SB1618, SB1619, SB1620, SB1622, SB1623, SB1624, SB1625, SJR60, SJR62, SJR65, SJR66, SJR67, SJR68, SCR27, SCR28, SCR29, SB1576, SB1577, SB1578, SB1579, SB1580, SB1581, SB1582, SB1583, SB1584, SB1585, SB1586, SB1587, SB1588, SB1589, SB1590, SB1591, SB1592, SB1593, SB1594, SB1595, SB1596, SB1597, SB1598, SB1599, SB1600, SB1601, SB1602, SB1603, SB1604, SB1605, SB1606, SB1607, SB1608, SB1609, SB1610, SB1611, SB1612, SB1613, SB1614, SB1615, SB1616, SB1618, SB1619, SB1620, SB1622, SB1623, SB1624, SB1625
Keywords:
SJR 60, Texas constitutional amendment, property tax exemption, ad valorem taxation, rainwater harvesting, graywater system, water conservation, water reuse, residential tax incentive, local government finance, county commissioners court, appraisal value, environmental incentive, November 2025 ballot, Article VIII, tax relief, healthcare workforce, education funding, higher education, economic growth
AL
Transcript Highlights:
- Would love for everybody to be there because I do think it'll be incredibly informative.
- be<00:19:43.360>
incredibly do think it'll be incredibly do think it'll be incredibly informative - 45.919>
with <00:19:46.080>that, <00:19:46.400>do <00:19:46.640>any informative - Um, and with that, do any informative.
Keywords:
police abuse registry, law enforcement registry, officer assault, assault on police, resisting arrest, battery on law enforcement, law enforcement injury fund, Back the Blue Act, Attorney General, clemency, pardon, commutation, rehabilitation costs, medical costs, public safety, criminal records, background checks, registry removal fee, privacy, due process
MN
Minnesota 2025-2026 Regular Session
House Judiciary Finance and Civil Law Committee 2/26/26
Judiciary Finance and Civil Law
Transcript Highlights:
- information and preserving due process. information and preserving due process.
- So we need this information.
- So we need this information. defend. So we need this information.
- have the same access to the information have the same access to the information as<00:47:11.280>
- don't have access to this information don't have access to this information and<00:48:07.920>
Keywords:
Safe at Home, address confidentiality, domestic violence, sexual assault, stalking, harassment, victim privacy, survivor protection, confidential address, protected address, secret address, identity protection, residential confidentiality, program participant, nondiscrimination, court disclosure, protective order, service of process, driver's license, state ID
HI
Hawaii 2026 Regular Session
LMG Public Hearing - Wed Feb 18, 2026 @ 2:00PM HST
Legislative Management
Transcript Highlights:
- <00:16:42.560>
So information in the written statement. - So information in the written statement.
- <00:18:31.360>
Um, <00:18:31.679>a the redaction of that information. - Um, a the redaction of that information.
- And then secondly, um that information.
Keywords:
child welfare, advocacy, oversight, independent office, foster care, child advocate, child safety, nepotism, ethics, government transparency, accountability, legislative standards, electronic voting, legislative transparency, Hawaii House, voting system, appropriation, lawmaker safety, political violence, confidentiality
Summary:
The House Committee on Legislative Management heard testimony on several measures. HB 1805, relating to child welfare, drew support from the University of Hawaii and concerns from the Attorney General about the bill’s definition of state agency and possible separation-of-powers and supremacy clause issues. During decision-making, the committee opted to move the child advocate function to the Attorney General’s office, accepted the Attorney General’s suggested scope and jurisdiction amendments, set the salary at 90% of the Department of Health deputy director’s salary, and passed the bill with amendments.
HB 2110, relating to nepotism, received support from the Hawaii State Ethics Commission, which said the bill would apply the rule consistently and noted the existing good-cause exception process. The committee later deferred the bill, saying existing House rules on nepotism were already strict and that the proposal would be duplicative in statute. HB 2180, relating to voting boards, had no oral testimony in the room during the hearing, but the committee later amended it into a blank appropriations vehicle for the House of Representatives and passed it with amendments.
HB 2184, relating to lawmaker safety, drew concerns from the Campaign Spending Commission that the bill would require redaction of address information and could create implementation issues, and the Attorney General noted missing language regarding appointed officials and an internal cross-reference issue. The committee adopted amendments to address those concerns and passed the bill with amendments. HB 2219, relating to disclosure of privileged communications to the Ombudsman, was clarified by the Ombudsman’s office as not requiring disclosure of privileged material, only preserving privilege if such material is voluntarily provided; the bill passed with amendments. HB 2469, relating to a regular session review working group, received testimony from the State Procurement Office, the Legislative Reference Bureau, and others in support and opposition, and the committee passed it with amendments after changing references and funding language.
AL
Alabama 2026 1st Special Session
Alabama House Financial Services Committee Jan 28th, 2026
Financial Services
Transcript Highlights:
- Several of you probably don't know this, but uh I was informed yesterday that I am expecting or will
Keywords:
income tax credit, tax incentive, recruitment, remote work, remote worker, recruited worker, rural counties, small counties, county population tiers, opportunity zone, teacher recruitment, nurse recruitment, law enforcement recruitment, workforce development, economic development, relocation incentive, Alabama Department of Revenue, nonrefundable tax credit, tax carryforward, state income tax
TX
Transcript Highlights:
- Information on the call itself, the subject matter of the call.
- I'm sorry, I don't have that information. Well, we had...
- Information was late, right? I'm sorry? The census information was late getting to us.
- I'm sure that's some of the things that will come up in the information.
- I don't have any information on any of that.
Keywords:
redistricting, Senate procedures, public input, Texas Legislature, amendments, Texas Senate, congressional districts, legislative procedures, legislative transparency, Senate rules, public hearings, committee procedures, hemp regulation, consumable products, cannabinoids, occupational licenses, criminal offenses, SB 11, Texas attorney general, election crimes
Summary:
The meeting centered around the discussion of congressional redistricting, where the committee established the procedures to ensure a fair and transparent process. Led by Senator King, the session focused on adopting a resolution that authorized a special committee dedicated to congressional redistricting and allowed for regional hearings to gather public input via videoconferencing. Concerns were raised about ensuring adequate notice for public participation, especially from marginalized communities potentially affected by proposed changes. Disagreements emerged regarding the timeline for regional hearings and how to address the implications of the redistricting process on minority districts. Overall, participants acknowledged the complex nature of redistricting and the importance of engaging constituents in the legislative process.
TX
Transcript Highlights:
- second, but if you will please just get settled up with our clerk over here so we have all of your information
- They use the very tools these platforms provide: anonymity, encryption, and false trust to prey on kids
- The information provided must be used solely for verification and cannot be sold, stored, or used...
- account, and enables the user to communicate with other users for the primary purpose of posting information
- And again, we're making something—news, sports, entertainment, and other information—other content that
Keywords:
social media, children, account verification, data privacy, parental control, financial crime, card fraud, motor fuel theft, law enforcement, criminal activity, skimmers, prevention, training, biological sex, government information, definitions, sex-based distinctions, public health, federal directives, state authority
TX
Transcript Highlights:
- that information to every person in the district.
- Information did.
- Our children deserve honest and accurate information that prepares them for the future.
- Restriction of information is a of authoritarian governments.
- We deserve to have accurate information on our population taken for vital statistics.
Keywords:
social media, children, account verification, data privacy, parental control, financial crime, card fraud, motor fuel theft, law enforcement, criminal activity, skimmers, prevention, training, biological sex, government information, definitions, sex-based distinctions, public health, federal directives, state authority
TX
Transcript Highlights:
- Information did.
- Restriction to information is a mark of authoritarian governments.
- This curriculum uses age-appropriate, parent-approved information for youth.
- The false and rigid definition of sex that this bill is trying to...
- So with that information, I ask this committee: How would you define me?
Keywords:
social media, children, account verification, data privacy, parental control, financial crime, card fraud, motor fuel theft, law enforcement, criminal activity, skimmers, prevention, training, biological sex, government information, definitions, sex-based distinctions, public health, federal directives, state authority
Summary:
The committee took up House Bill 186, which would require social media platforms to verify users are 18 or older before allowing account creation. Invited witnesses in support, including Mary Elizabeth Castle and David Dunmoyer, argued the bill would protect children from harmful algorithms, addictive design, bullying, sexual exploitation, and mental health harms, and emphasized parental rights and the idea that minors should not enter binding contracts with platforms. Committee members questioned them about how algorithms work, whether parents could realistically monitor content, and whether the bill would still allow educational use; the witnesses said the bill was narrowly aimed at harmful social media use and not educational content.
Public testimony on HB 186 was largely in opposition, though several student witnesses said they supported the bill’s goals but wanted the age lowered to 16 or the bill amended to allow parental consent or joint accounts. Opponents argued the bill would be ineffective because teens could bypass age checks, would cut off access to educational tools, school communications, recruiting and NIL opportunities, and would burden free speech and privacy. Some witnesses also said social media helps teens with mental health, community, and creative or professional opportunities, while others warned the bill could disproportionately harm disabled and marginalized users. After public testimony closed, HB 186 was left pending.
The committee then heard House Bill 5138, which Chairman Hughes said would respond to a court ruling limiting the Attorney General’s authority to prosecute election crimes unless invited by local prosecutors by changing the statute to require AG prosecution. Public testimony on HB 5138 was brief and opposed by at least one witness who argued it would further erode local control and expand state preemption. The bill was left pending after testimony.
Finally, the committee heard House Bill 3225, a library bill aimed at keeping sexually explicit books and materials out of children’s sections in municipal libraries and requiring age verification for checkout, including digital access, with parental consent and other revisions added in the House. Supporters said the bill would protect children from explicit material and keep such content in adult sections, while opponents argued it would amount to censorship, be costly and difficult to implement, and could be used to target LGBTQ+ or other marginalized content. Library workers, parents, students, and advocates testified that existing library sections already separate age-appropriate materials and that the bill could reduce access to books, burden libraries, and infringe on parental choice and free expression.
US
US Federal 2025-2026 Regular Session
Business meeting to consider S.527, to require the Federal Trade Commission to study the role of intermediaries in the pharmaceutical supply chain and provide Congress with appropriate policy recommendations, S.1040, to amend the Federal Trade Commis Apr 3rd, 2025 at 09:15 am
Senate Judiciary
Transcript Highlights:
- the U.S. attorney, and Zeldin, the EPA administrator, have been making, I would contend, knowingly false
- The bipartisan legislation simply is a good governance bill that improves information sharing between
- The bill would establish a task force to ensure the agent agencies share the information and have visibility
- the role that PBMs play in the drug distribution process and the bill that improves sharing of information
Keywords:
drug competition, product hopping, generic drugs, biosimilars, federal regulations, FTC Act, patent, biological products, healthcare access, affordable prescriptions, Medicare, Federal Trade Commission, sham petitions, competition, public health, unfair competition, healthcare, pharmaceutical, antitrust law, pay-for-delay
Summary:
The meeting focused on addressing the high cost of prescription drugs and the abusive practices that contribute to elevated prices affecting American families. Several bills were presented, including proposals to end pay-for-delay deals and to enhance transparency in the operations of pharmacy benefit managers (PBMs). The discussion was notable for its emphasis on consumer protection and ensuring that cheaper generic drugs reach the market more effectively. Members expressed frustration over past attempts to pass similar legislation stalling in the Senate, leading to renewed efforts to push these bills forward.
TX
Transcript Highlights:
- In my constituent's case, after the verdict was delivered, her information... information was shared,
- All of this information, it is my understanding...
- or redact certain and personal information.
- It's my information that right now in criminal cases, once the case is done, all of that information
- Thank you very much. monthly, this information.
TX
Transcript Highlights:
- I'm informed. and we had a grand total of three applicants for that bench.
- And this is already kind of happening informally with VFW Post, so veterans are frankly more comfortable
- So, the incomplete flow of information in our society about who the abusers are.
- To decide that we're not going to aid in the concealment of that information.
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 2/20/25
Commerce Finance and Policy
Transcript Highlights:
- I don't have any of that information on hand, so I would have to follow up with all of that information
- <00:24:14.000>
you it receives that and the information you it receives that and the information - :37.640>
information <00:58:38.039>for <00:58:38.200>the collecting other information - Nobody's pulling this information.
- <01:15:02.320>
and nobody's pulling this information and nobody's pulling this information
Keywords:
corporate governance, shareholder rights, beneficial ownership, defective corporate acts, Minnesota Business Corporation Act, Minnesota Insurance Guaranty Association, MIGA, insurance guaranty fund, insurer insolvency, covered claim, net worth threshold, high-net-worth insured, financial information request, insurance claims, self-insured retention, deductible, commercial insurance, insurance regulation, Minnesota Statutes 60C.09, guaranty association